HOW IT WORKS

HealthShare Connection operates as a collective group of members who are giving toward the medical expenses of each other when a need arises. An example of a need would be a broken bone, a newly diagnosed illness, or surgery related care.

When a member has an active membership (current with monthly payments), they will be eligible to take part in the shared monthly account made available by HSC to help members cover their medical expenses. When a member has a need for a medical expense payment arise, they can contact HSC for pre-authorization (when possible), and present their membership card to their service provider at or before the service is needed. The patient’s provider will contact HSC to provide details about the medical expense, and HSC will make payments to the provider on the member’s behalf according to the HSC Member Guidelines.

THE NATIONAL HEALTH BENEFITS PARTNERSHIP

National Health Benefits is currently partnering with HSC to provide HealthShare members with a benefits plan that offers additional help with a member’s medical expenses. While HSC offers coverage for a member’s need after their non-shareable amount* of $1500 has been met, National Health Benefits can help with expenses related to doctors visits, specialists visits, total telehealth visits, urgent care coverage, out-patient testing, lab work, vision and dental visits. This plan offers low co-pays and no deductibles. Since National Health’s benefit plan employs coverage maximums that limit the amount of expenses that are payable, HSC steps in to help members after the initial $1500 is paid by either National Health Benefits, the member, or a combination of the two parties.

UNLIMITED NEEDS

Members can have unlimited needs throughout the year as long as there are funds in the account to cover the need. For the first three needs of a member (or five needs of a family of members), there is a Non-Shareable Amount (NSA) of $1500 which the member must pay before HSC may start contributing towards medical expenses. This NSA becomes less if the member has used any services from the Mega Plan and had monies paid towards the need by way of copays, doctors visits, or other medically necessary treatments.